M3 Asset Management, Inc.

M3 Asset Management provides investment management to individual investors and other account types including trusts, employer-sponsored retirement plans, and charitable or business entities, managing roughly $18 million for about 20 clients. The firm delivers advisory services through a wrap fee program that combines portfolio management with trade execution through qualified custodians.

The firm manages client portfolios exclusively on a non-discretionary basis, requiring prior client authorization for each trade, and constructs tailored strategies using mutual funds, ETFs, individual debt and equity securities, and options. Its investment process uses both fundamental and technical analysis with an emphasis on broad asset allocation, diversification, periodic monitoring, and—where appropriate—recommendations of privately placed securities for accredited investors.

Several aspects of the practice are relatively uncommon among independent advisers: M3 sponsors a wrap fee program under which it covers execution costs, the firm manages assets only on a non-discretionary basis, and fees can be assessed gross of any margin used (increasing the fee base). The firm also receives institutional software and operational support from a custodian and offers access to private placements, which together differentiate its service mix at this scale.